HomeNew YorkSuffolk CountySouthold
Southold, New York: commercial real estate data.
Southold is a Census CDP of 6,397 people across 10.46 square miles of land, in Suffolk County. Median household income is $128,822, 82.2 percent of occupied homes are owned, and the SBA record carries 11 7(a) approvals to borrowers here worth $4.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Southold
What Southold is
- Census place typeCDP
- Land area10.46 sq mi
- Water area4.09 sq mi
- Population per square mile of land611
- County holding the largest share of its areaSuffolk County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Southold
How many people live in Southold
- Population6,397
- Median age48.6
- Population under 181,490 plus or minus 373
- Share under 1823.3 percent plus or minus 5.2
- Population 65 and over1,588
- Share 65 and over24.8 percent
- Households2,460
- Family households1,831
- Share of households that are families74.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Southold
Income and work in Southold
- Median household income$128,822
- Per capita income$76,311
- Civilian labor force2,943
- Employed2,766
- Unemployed177 plus or minus 117
- Unemployment rate6.0 percent plus or minus 3.9
- Adults 25 and over4,630
- Adults 25 and over with a high school diploma or higher92.4 percent
- Adults 25 and over with a bachelor degree or higher54.3 percent
- Adults 25 and over with a graduate degree23.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Southold
Housing in Southold
- Housing units3,975
- Occupied units2,460
- Vacant units1,515
- Vacancy rate38.1 percent
- Owner occupied2,023
- Renter occupied437 plus or minus 179
- Ownership rate82.2 percent
- Median owner-occupied home value$844,700
- Median gross rent, monthly$2,237
- Annual rent as a share of median income20.8 percent plus or minus 4.9
- Single family units3,833
- Share single family96.4 percent
- Units in buildings of two or more142 plus or minus 97
- Share in buildings of two or more3.6 percent plus or minus 2.4
- Mobile homes0
- Median year structure built1971
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Southold
How Southold gets to work
- Workers 16 and over who commute2,262
- Commuting under 15 minutes798 plus or minus 260
- Share commuting under 15 minutes35.3 percent plus or minus 9.8
- Commuting 30 minutes or more747 plus or minus 192
- Share commuting 30 minutes or more33.0 percent
- Drove alone62.8 percent
- Carpooled14.2 percent plus or minus 8.5
- Public transport5.8 percent plus or minus 3.8
- Walked1.7 percent plus or minus 1.6
- Worked from home15.3 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Southold
SBA loans in Southold (7(a))
- Approvals11
- Gross approval$4,630,000
- Average approval$420,909
- Median approval$106,000
- Largest approval$1,800,000
- Jobs supported74
- Jobs per approval6.7
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more9.1 percent
- Share to franchises9.1 percent
- Distinct lenders9
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Southold, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Southold
SBA loans in Southold (504)
- Approvals2
- Gross approval$729,000
- Average approval$364,500
- Median approval$364,500
- Largest approval$516,000
- Jobs supported13
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Southold, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Southold
Flood risk in Southold
- NFIP communityTown of Southold
- NFIP community number360813
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09
The Town of Southold participates in the National Flood Insurance Program as community 360813 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Suffolk County, not Southold
Suffolk County context, not Southold figures
- Establishments in Suffolk County50,748
- Covered employment, Suffolk County679,594
- Average annual pay, Suffolk County$79,121
- Housing units permitted, Suffolk County1,407
Every figure in this section is published for Suffolk County as a whole and is not a measurement of Southold.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Southold questions, answered from the record.
How many people live in Southold, New York?
6,397, in 2,460 households. Southold CDP covers 10.46 square miles of land, which is 611 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Southold in?
Suffolk County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Southold?
$128,822. The median owner-occupied home is valued at $844,700. Median gross rent is $2,237 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Southold businesses?
11 7(a) approvals totaling $4.6 m since FY2020, across 9 lenders, median approval $106,000, plus 2 504 approvals worth $729,000 since FY2010. These count approvals to borrowers whose address is in Southold, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Southold borrowers get paid back?
No rate is published for Southold. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Southold in the National Flood Insurance Program?
Yes. Southold appears in the FEMA Community Status Book as Southold, town of, community 360813, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Southold figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Suffolk County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Southold.
Is zoning published for Southold?
No. Nothing on this page presents parcel level zoning.